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Reducing College Textbook Costs

 by: Bob Jones

Reduce the cost of college textbooks with Used College Textbooks. - No shocker here: 80% of textbooks sold each year are used, but here are some important details to save even more:

*Make sure the book you are looking at is the correct version or release by using the ISBN to verify. Check out the campus bookstore; this will establich you local maximum price, plus you can get the ISBN confirmed.

*Ask your professor if an older version is OK. It could be as much as half the price. Don’t go back more than one edition. Use the index to find the information in your previous edition when the instructors tell the students with the new (expensive) book what pages to read.

*There is no suggested retail price on used textbooks, so shop around. However, used textbook inventories change quickly, so use a real-time quick comparison tool to quickly locate the lowest college textbooks.

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*Buying from individuals on marketplaces like Amazon Marketplace and Half.com may be cheapest but look at the location of the seller and shipping methods offered. Media Mail can take two weeks from coast to coast. Follow up after the purchase to make sure it has been shipped.

*Check the bulletin boards at school for used book ads or buy used books from students in the classes ahead of you. Watch for organized textbook swap parties.

*Order your books EARLY! The best deals go fast.

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*Consider the resale value as you use the book. Textbook care affects its condition and resale value. Reduce overall cost by maximizing resale value.

*Put you book on the market ASAP after finals. Don’t jump the gun and list too early; most services require you to ship the book within two days of its sale.

Copyright 2005

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Permission is granted to republish provided source credit with link to http://www.cheap-textbooks.com is included.

About The Author Bob Jones is founder of www.Cheap-Textbooks.com and developer of the sites unique Quick Compare textbook price comparison tool.

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If you are one of the many retirees without having prepared a financial plan, it is not too late to do so. Many of our retired clients with significant retirement assets and other investments are not certain of how long they will be able to live their desired lifestyle. For some it is a matter of procrastination or fear; others have been working so hard to give their children a college education or help elderly parents that they have not taken time to plan for themselves.

It is NEVER too late to plan the rest of your life.

If you are willing to take the time to gather your records and think about your dreams and wishes for your future, the financial planning process can give you the peace of mind to take advantage of the assets you have worked so hard to accumulate.

What is the financial planning process? It is a systematic approach of identifying goals, gathering data, obtaining recommendations, then implementing strategies to accomplish these goals. The result is a comprehensive written plan consisting of:

1. Cash flow management
2. Retirement planning
3. Risk management
4. Investment planning
5. estate and, elder law planning.

While the financial planning process may be the same regardless of one s age, retired individuals have unique needs and considerations. Their income will no longer be dependent on their labors, but will generally come from a combination of personal investments, retirement plans and government benefits. Retirees are faced with the prospect of managing their investments wisely to produce an adequate current income, while protecting purchasing power from inflation. Most traditional pension plans do not have cost of living adjustments.

While social security is indexed for inflation, this benefit provides only a base of retirement income for most individuals. For the affluent, social security may account for only 20% or less of desired income. Many early retirees will have 30 or 40 years during which they will have to rely on their investments to maintain their desired lifestyle. At the same time, they need to be prepared for lifestyle changes in the event of health problems.

Disability or incapacitation are often feared as threats to one s independence and quality of life. Finally, many are faced with the desire to transfer their wealth to succeeding generations to minimizing the impact of income and estate taxes.

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A good financial plan should include an Action List for implementing the plan s recommendations. It should include such items as:

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A. Establishing an emergency fund
B. Tracking expenses
C. Long Term Care Insurance

If you have stock options, it should include a strategy for exercising them.

It may also include family and charitable gifting strategies to reduce the size of the taxable estate. Also, the plan should include targeted rates of return for your qualified (retirement) and non-retirement investments and specific investment recommendations tailored to your unique situation.

Even the best plan is worthless if allowed to sit on a shelf unimplemented. Finally, to be of continued usefulness, the plan needs to be monitored on a regular and periodic basis to keep up with the changes in your life.

See the following Capital Punishment by Confiscation ; this illustration demonstrates the consequences of no Estate and Elder Law Planning.

CAPITAL PUNISHMENT BY CONFISCATION

YOU START WITH THIS MUCH IN YOUR TAX-DEFERRED PLAN

$842,288.00

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(A) SUBJECT TO 50% FEDERAL ESTATE TAX.

The tax due is: $421,144.00
Balance available: $421,144.00

(B) SUBJECT TO THE GENERATION SKIPPING
TRANSFER TAX.

The tax due is: $ 0
Balance available: $421,144.00

(C) SUBJECT TO FEDERAL INCOME TAX

Assume 38.6% Rate.

The tax due is: $162,561.58
Balance available: $258,582.42

YOU START WITH A PENSION OF: $842,288.00

YOUR TAXES PAID EQUAL: $583,705.58

YOUR BENEFICIARIES RECEIVED: $258,582.42

ACTUAL TAX LOSS: $583,705.58

OR

69%

——————————————————————————–

Courtesy of: Steven W. Tarta, Attorney at Law. 45 N. Broad Street Ridgewood, NJ 07450 PHONE 201-444-8448 E-MAIL: TARTALAW@ATT.NET Fax 201-612-0827Please be sure to check out www.tartalaw.com for estate planning learning center information

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Poverty is not for the Poor

 by: Karen Nodalo

Poverty means lack of food, shelter, clothing and opportunities for work and education. It is the lack of supply for the needs of the community. Poverty has grown abruptly and we are left clinging in the hands of time waiting to be fed and nourished. It is doing and having what you wanted to do but doing nothing at all for the reason you remain incapable.

In a different perception, poverty is a result for having a poor management. In order to have a good government, it should be run by good public officials. If they perform their tasks defectively, our resources are affected, the poor becomes poorer and our economy declines. Since poverty is on the mount, we need to have a good government to heal all the economic deficiencies and political operations. If we lack resources, investing would be impossible.

Poverty in countries is being measured by the amount or value of the goods and resources they produce. So, the lesser resources and productions we have, the lesser opportunity is at stake for us. The lesser chances, the more probability we will sink in debt.

With poverty on the rush, how do we set alternatives to increase our livelihood? How do we invest and compete in a global world? How do provide ourselves with good valuable resources? We start by improving and enhancing our skills in order to bring forth more income to our families at the same time uplifting our nation s economy. That is, focusing in the rural communities. Watching and maintaining our natural resources would bring investments and exports which makes way to manpower or employment in rural communities. Rural places are mainly our source of natural resources such as fisheries and vegetation so these must be taken good care of.

The government should get rid of those political people who are after ranks, money and fame. Corruption eats the country s investments. The poor are to be given much attention because no matter how high investments the rich may obtain, the percentage of the unemployed is a mere affecting factor. While the poor strives hard to impart their service and strength, they generously corrupt and spend the blood and perspiration for luxury. Instead of having our resources acquired by the poor, they continue to exploit the money for their own personal pleasures.

It is important that we give the poor equal rights. Being poor or being born poor is not a sin. They are not bound for discriminations or grievances because they have the right to being protected from corruption. If possible, to lessen their burden of paying taxes because they are unable to benefit from it if there are. Appointing political positions to families and friends should be prevented because it is the root of corruption. They are neglected the chance to be acquainted to forums and programs of the government for what appear to be unfair.

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Eventually, the poor will play a pertinent role to the success of our community because they know ho to strive and persevere and value work and money. If we want to overcome the effect of poverty, equal rights should be practiced and not set the standard of living as the basis of comparing life status.

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Integrate Fun and Learning with Games

 by: Steve Hall

Children are always up for a good game. Well, who isn’t? Pretend that you are back in school. For the rest of the class period you have two choices as to how you can spend your time. Option #1 is to struggle through endless arithmetic and English worksheets without any feedback except for a stamp that says “Great Job!” Option #2 is to work on the same arithmetic and English content, but on a computer. Yes, you can play a computer game to learn your numbers and verbs. Which option would you choose? Which option would children most likely choose? Option #2 of course!

Using computer software in education is not a new concept. Computer games have been used as a learning tool for the past two decades because they help students with basic skills, logic, problem solving, and various other academic skills. The Oregon Trail was a popular computer game in the 1980’s. This game helped students to work on their planning and problem solving skills. If you have ever played that game you might have realized that it was difficult to complete the trail. Everyone in my wagon always died of Cholera.

Parents and educators that are unfamiliar with computer game technology may automatically dismiss the use of computer games for learning. They view computer games as nothing but “shoot ‘em up” and mind numbing entertainment. As avid computer gamers we all know that they are way off base. Just think of all the problem solving, logic, and planning that goes into working on a team in a computer game, playing a puzzle, or figuring out a code.

There are computer games that are specifically based around educational learning standards. These games explicitly include counting, grammar, etc. They range from learning software that has a battery of tests to mimic standardized testing to fun, interactive learning games such as Caillou Magic Playhouse. This game allows a child to learn about numbers, patterns, spelling, phonics, and many other skills.

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One advantage of using computer games in education is that the student is learning whether they realize it or not. Many children sigh when it is time to work on multiplication, but if you bring out a computer game - poof! They suddenly want to go through their multiplication tables. The computer game presents the same academic material, but makes it fun by integrating colorful animations and cool sounds. Plus, computer games allow for instant feedback and gratification. We have become a society that runs on instant gratification. A computer game can provide this feedback and it can also provide a means of competition. You will be stretched to find a student that wants to “beat” their worksheet, but a child who wants to beat a computer game? You will find them everywhere you look.

Computer games are advertised as forms of entertainment, which they most certainly are, but they are learning avenues as well. Gamers of all ages are learning every time they play a game. For example, there are games that work on your business skills. Games like Lemonade Tycoon and Mall Tycoon are prime examples. You are learning the skills to succeed in a business through simulation. Simulation is how many professionals acquire the skills for their occupation. Even though you are in a computerized environment, you can still come across many different business situations.

Computer software is here to stay. Email will one day override handwritten communication and perhaps games will take over traditional education. Granted games most likely will not take over traditional education, but they should become part of the educational experience. A child is learning while playing a computer game. Their memory and reaction time increases. They are sharpening various parts of their brain. The key is to play a mixture of games that range from pure entertainment to ones that are specifically designed for educational skill sets.

If your child or student is having trouble with math, English or any academic subject, set them up with a computer game. Their interest in learning will soar. Computer games can bring any student that is hesitant about school to learning whether they realize it or not. Computer games make learning fun.

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As a general rule, patents are associated with things and processes which are vital to the world the only exception though are innovative designs. Patents also allow the creator of some inventions to preclude others from making use of it commercially without the permission of the creator. It is possible to acquire patent on technologies used in arts.

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Nevertheless, the exceptions to the general rule are on product designs. It is thus theoretically potential to acquire design patent on the purely ornamental aspects of design while also having a copyright on same design.

Patents convey to the creator the right to exclude others from using or producing the former s creation for a limited time. A patent for an invention is an award of a property right to the inventor. It is given by the United States Patent and Trademark Office. A new patent may last up to 20 years from the date of application in the US. In special cases, it may start from the date of an earlier filed application. The application is subject to maintenance fees. It is also noteworthy to know that patent grants in US are only effective within US, its territories and possessions. If you want your patent grants to have extensions or adjustments, you can avail of the same under certain circumstances.

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There are three types of patents. They are: a) Utility patents which may be granted to anyone who invents or discovers a machine, vital process, composition of matter, article of manufacture or any useful improvement thereof; b) Design patents may be granted to anyone who creates a new, original and ornamental design for an article of manufacture; lastly c) Plant patents may also be granted to anyone who creates or discovers at the same time asexually reproduce any distinct and new variety of plant.

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What is vested by the patent is not the right to make, use, offer for sale, sell or import but the right to EXCLUDE others from making, using, offering for sale, selling or importing said creation or invention. If the patent has already been issued, the patentee must enforce it without the assistance of the United States Patent and Trademark Office.

The gist of this statute is to grant authority to protect discoveries and creations. In order to be patented an invention must be novel, useful, and not of an obvious nature. Now, the creators/inventors can shun their worries about having works copied or used without their permission.

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A Quick Guide To Payroll Tax

 by: Tawee Subsomboon

The term Payroll tax actually includes the Social Security tax, Medicare tax and Federal income tax. The Social Security tax provides benefits for retired workers, the disabled their dependents and it has a payroll tax rate of 6.2%. There is a maximum annual amount of Social Security tax withheld per employee. Social Security taxes are not withheld on amounts over the earnings limit. In 2004, the earnings limit was $87,900, and the maximum Social Security tax was $5,449.80.

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The Medicare tax provides medical benefits for certain individuals when they reach age 65 and has a payroll tax rate of 1.45%.

Federal income tax is used to fund national programs such as defense, community development, and law enforcement. All employees must complete Form W-4, the Employee’s Withholding Allowance Certificate, which is used by employers payroll tax departments to determine how much federal income tax to withhold from the employee s paycheck. There are a number of online payroll tax calculators that employees can use to check if they are having the right amount of money withheld. This is just as important to see if too little payroll tax is being withheld as too much payroll tax to make sure that you don t have any nasty surprises when you file your tax return because you actually owe more tax than was withheld.

The amount of payroll tax that is withheld from an employee is sent to the federal government. If the payroll taxes are withheld, but not paid to the government, the employee is covered. The IRS will go after the employer but it is important to keep your check stubs as documentation of the withholding in case you get an incorrect W-2 Form. A W-2 form is the document which you will receive at the beginning of February or March that indicates the total amount of money you have earned and which portion was withheld for as payroll tax.

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The whole issue of payroll tax may seem very confusing; especially to a first-time employer but there are plenty of books that can help to clarify the procedures involved. There are also a number of websites that can offer advice on all aspects of payroll tax from an employee s perspective as well as an employer s. In fact, there are very few gray areas when it comes to payroll tax and the procedures, processes and deadlines are extremely well set out and documented thoroughly by a variety of sources.

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Attaining an Online College Degree

 by: Jay Moncliff

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There are a lot of people out there who just don’t have the time to go to a college campus for an education. This can be for many reasons, such as work, finding a babysitter, costs of college courses, or even coordinating it to fit into your busy schedule. There is a solution for this. You can obtain an online college degree.

An online college degree is just as valid as a degree you receive at a regular college campus. In fact a lot of people prefer it. This is because you can get an online college degree from the comfort of your own home. You don’t have to go anywhere to get the online college degree and you can register for the courses for your online college degree at home as well. You also don’t have to commute to go to school, which in turn will save you gas, time, and money. An online college degree program will fit into any busy schedule and is convenient for anyone.

Online college degree programs offer financial aid and assistance just like regular college campuses do. Online college degree programs also offer job placement programming to anyone who completes the courses and obtains the online college degree. Online college degree programs often boast that you can get your degree in half the time it would take from a normal on campus course program. This is true because an online college degree program allows you to take the courses as quickly or as slowly as you want. It is all done at your own pace!

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Now that you see the advantages of obtaining an online college degree, let us look at some of the online college degree courses offered. Some are: accounting, teaching, business, computers, criminal justice, legal and paralegal, dental assistance, travel and tourism, and many more. There is even master degree programs offered online so you can even further you education.

The prices of online college degree programs can vary from school to school. It is best to do your research and see what school offers you the best deal and the best education. If you need financial aide, be sure the school offers it before you enroll. Remember, this is an online college degree program so it doesn’t matter where the course is coming from!

You can now see the huge advantageous of obtaining an online college degree. There really aren’t any disadvantages. Only positive things have been said about online college degree programs. You have nothing to lose and everything to gain! Why not give an online college degree program a try? You will find it is truly worth it, for you and for your future.

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About The Author Jay Moncliff is the founder of http://www.online-degree-center.info a blog focusing on the Online Degree, resources and articles. This site provides detailed information on Online Degree. For more info on Online Degree visit: http://www.online-degre.

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Wash Your Windows Like A Pro

Have you ever wondered how those professional window washers move so fast with the squeegee, and the
windows turn out perfect? Well, there really are some tricks to it that are simple to learn, and once you
do, dare I say it, you may even enjoy washing windows? It is possible!

The first trick is to invest in a good squeegee. They aren’t expensive and they are worth every cent! Those
$1.99 ones just will not do. A professional squeegee has a very soft, rubber blade with no imperfections in it. You can also get extra rubber blades and simply replace those when they wears out. There are probably many sources
to get one, but a source I like is The Clean Team. http://www.TheCleanTeam.com.

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Secondly, do your windows on a cool, or cloudy day. If you have to do it in the sun, do it in the morning. What you want to avoid here is heat. Heat works
against you.

Get a bucket of lukewarm water (not hot), and add 2-3 tablespoons of plain ammonia. Use a sponge that has a
white scrubber on the other side. Wet your window with the sponge side, then flip to the white scrub pad side,
and scrub the window. You’ll be able to “feel” when it’s clean. You’ll feel rough patches, etc when it’s still not clean. This is a step most people fail
at, if the window simply isn’t clean, it’s going to look cloudy when done. Scrub well.

You’ll also need lots of clean, white cotton rags towels/cleaning cloths. Diapers work great here. Dry by hand a 1-inch strip at the top of the window.
The trick for no streaks with the squeegee is placing the dry rubber blade on a dry window.

Take the squeegee now and place it at the top of the window in that 1-inch dry strip. Pull down smoothly. Dry your squeegee blade with between each sweep.
Finish window, if need be do one last sweep left to right at the bottom of the window.

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Take a dry, clean cloth and run with your finger down each window side and across the bottom to clean and
dry the edges. They should look perfect! And you’ll feel great having clean windows.

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About the Author

By Valerie Garner-Mother, grandmother and candlemaker /
owner of Joyful Designs in Soy (Candles). She loves to write on
a variety of topics with a warm, and engaging style.
http://www.joyfuldesignsinsoy.com

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brating Fathers

 by: Susie Michelle Cortright

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On Father’s Day, we celebrate the guys in our lives. Not just our dads and the fathers to our children, but all the men who have made a positive impact on a child s life.

A number of recently published studies call attention to the effects of good fathering. Men who play an active role in their children s lives stimulate all aspects of development: emotional, academic, behavioral, and social, even when those men don t live in the same home as their children.

But we don t need a study to understand that the men in our lives matter, whether he s a husband who lives at home, an ex-husband who lives across town, a stepfather, a grandfather, an uncle, or a mentor in the community.

Even from a child s conception, a supportive father makes a difference in the lives of mothers, their children, and the world-at-large. In fact, research shows that women with supportive partners experience fewer health complications in pregnancy and have better attitudes about the inevitable physical changes to their own bodies. Studies indicate that even labor and delivery may be shorter and easier when your partner is by your side.

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Men lend a sense of self-control. They model their work ethic. They make us laugh and help us develop a sense of humor. Men teach self-reliance, self-confidence, discipline, independence, and the ability to deal with frustrations, large and small. They help their daughters understand how to relate to men and the meaning of trust and intimacy in all relationships. They help their sons understand what it means to be a husband and a father and a man.

This Father s Day, let us remember the father s role. Let us actively engage him in this day-to-day process of parenting. Let us stand back so he can take charge and do things his way once in a while. Let us see his parenting style as a complement - and not an opposition - to our own.

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Let us celebrate our fathers and honor them for making a difference in our world.

About The Author Copyright, Susie Michelle Cortright Susie Michelle Cortright is the founder and publisher of Momscape, a website devoted to nurturing the nurturers through empowering articles, inspiring essays, and daily pampering tips, as well as freebies, contests, and giveaways just for moms. Visit her at http://www.momscape.com and get inspired to be the best mom you can be. momscape-subscribe@yahoogroups.com

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